> Brett Call

Brett Call is the Financial Planner for Saige Financial Planning and an Authorised Representative of Fortnum Private Wealth Pty Ltd trading as Financial Planning Services Australia. He holds a Bachelor of Commerce (Accounting, Finance & Banking) and an Advanced Diploma of Financial Services (Financial Planning); and is both a CPA and a CFP.

Brett has over 15 years' experience working in accounting and finance. He has spent the last ten years working in public practice on the Central Coast. Brett became an Authorised Representative in 2008 and has focused on providing Financial Planning advice to a wide range of client since.

> KAREN HENDRIKS

Karen has had over 15 years experience in public practice. She is a Fellow Professional Member of Institute of Public Accountants, holds a public practice certificate and is a registered tax agent. Karen's expertise includes business management, taxation advice, effective tax structure and strategies, and effective use of self-managed superannuation. She is the practice manager for Saige responsible for forecasting and business development. She continues to lead many businesses to profitable and successful outcomes.

> Sharon O'Malley

Sharon has had over 20 years' experience in public practice. She has completed a Bachelor of Business and a Masters of Taxation; is a Fellow of both CPA Australia and the Tax Institute of Australia, and a member of the Institute of Chartered Accountants; holds a public practice certificate and is a registered tax agent.

Sharon's specialisations include general accounting, taxation advice, advice to, administration of, and audit of self-managed superannuation funds and advice to the not-for-profit industry. Sharon has sat on a number of local not-for-profit boards allowing her the opportunity to give to the local community.

> Monica Gardiner

Monica has over 15 years experience in public practice, she is a member of the Institute of Public Accountants and a registered tax agent. Monica's expertise lies in the area of taxation and assisting clients in business management. She specialises in providing advice to medical professionals. Her success comes largely from her rapport with her clients most of which have been with her for many years.